Who can resist the charm and character of an older home? Before you buy, here are some common issues that may prevent you from securing insurance.

Wiring: Knob and tube wiring, may be considered a fire risk. If a home inspector finds this wiring, the insurance company may require updating the electrical system.

Galvanized or Lead Pipes: These older pipes are more susceptible to rust build-up and blockages. Because of the risk of flooding from bursting pipes, you may need to upgrade to modern copper or plastic pipes.

Heat source:Details will be required about age, location and condition of oil tanks, often used in older homes for heating

Wood Stoves: Often the source of house fires and carbon monoxide poisoning, wood stoves will most likely need to be inspected before an insurance policy will be confirmed.